Haha, I also bought Pacific Fortune in 2007, and I paid it off in three years, but I paid back 26,700 yuan. I still have a long way to go to get to know the headmaster. I calculated that if I surrender, I can get back all the principal I paid in the eighth year, and the insurance will be terminated. If you don't surrender, it will take at least 18 to 20 years to get back the principal in the form of returns and dividends.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.